By Bri­an Connolly

Grand­par­ents act­ing as pri­ma­ry care­givers for their grand­chil­dren has become a grow­ing trend. Accord­ing to “The Exam­in­er,” each health insur­ance com­pa­ny gen­er­al­ly has its own set of rules regard­ing the inclu­sion of grand­chil­dren to a health insur­ance plan. While some com­pa­nies may offer the ser­vice for any grand­par­ent over the age of 55, oth­ers may require you to be the legal guardian of the child before allow­ing you to add them to your insur­ance pol­i­cy. With per­sis­tence, tenac­i­ty and a will­ing­ness to do the research, prac­ti­cal­ly any grand­par­ent can find out if their grand­child is eli­gi­ble to join their health insur­ance plan.

Step 1

Call the num­ber list­ed on your month­ly health insur­ance billing state­ment to speak with a live rep­re­sen­ta­tive of your health insur­ance provider. Ask to speak with a pol­i­cy man­ag­er or oth­er spe­cial­ized employ­ee who can answer spe­cif­ic ques­tions on pol­i­cy matters.

Step 2

Ask if you can add your grand­child to your cur­rent health insur­ance pol­i­cy and under what con­di­tions or terms the ser­vice will be avail­able. You may be asked to vis­it a local office of your insur­ance provider to fill out the nec­es­sary forms.

Step 3

Fill out the insur­ance pol­i­cy mod­i­fi­ca­tion form and include the details and infor­ma­tion of your grand­child. Include their full name, age, eth­nic­i­ty, social secu­ri­ty num­ber and any oth­er required data asked about your grand­child. If required, bring in your grand­child for any nec­es­sary blood or urine test that may be nec­es­sary to com­plete the application.

Step 4

Receive your con­fir­ma­tion insur­ance pack­et in the mail and store your child’s health insur­ance card next to yours in your wal­let, purse or oth­er secure loca­tion. If desired, guide your grand­child through the spe­cif­ic ben­e­fits and terms of their health insur­ance policy.


If your insur­ance com­pa­ny denies your request to add your grand­child to the pol­i­cy, con­tact your local Med­ic­aid office to see if he is eli­gi­ble to join the gov­ern­ment-enrolled health program.

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